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Upturn AI SWOT - About
BSRR 
Sierra Bancorp (BSRR)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/10/2025: BSRR (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $32.62
1 Year Target Price $32.62
| 1 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 13.79% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/10/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 375.36M USD | Price to earnings Ratio 9.52 | 1Y Target Price 32.62 |
Price to earnings Ratio 9.52 | 1Y Target Price 32.62 | ||
Volume (30-day avg) 5 | Beta 0.78 | 52 Weeks Range 22.02 - 34.22 | Updated Date 10/11/2025 |
52 Weeks Range 22.02 - 34.22 | Updated Date 10/11/2025 | ||
Dividends yield (FY) 3.49% | Basic EPS (TTM) 2.9 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28% | Operating Margin (TTM) 37.47% |
Management Effectiveness
Return on Assets (TTM) 1.09% | Return on Equity (TTM) 11.53% |
Valuation
Trailing PE 9.52 | Forward PE 11.44 | Enterprise Value 628609536 | Price to Sales(TTM) 2.58 |
Enterprise Value 628609536 | Price to Sales(TTM) 2.58 | ||
Enterprise Value to Revenue 4.66 | Enterprise Value to EBITDA - | Shares Outstanding 13590273 | Shares Floating 11976204 |
Shares Outstanding 13590273 | Shares Floating 11976204 | ||
Percent Insiders 10.33 | Percent Institutions 58.54 |
Upturn AI SWOT
Sierra Bancorp
Company Overview
History and Background
Sierra Bancorp was founded in 1977 as Visalia Community Bank. It evolved through acquisitions and organic growth to become Sierra Bancorp, a holding company for Bank of the Sierra.
Core Business Areas
- Commercial Banking: Provides a range of banking services to businesses, including loans, deposit accounts, and cash management services.
- Retail Banking: Offers banking services to individuals, including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Offers wealth management services, including investment advisory and trust services.
Leadership and Structure
The leadership team includes Kevin McPhaill (President & CEO). The organizational structure is a traditional banking hierarchy with departments for retail banking, commercial banking, wealth management, and operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing for businesses. Market share data is not publicly available at a granular level for this specific product. Competitors include larger national banks and other regional banks. The amount of loans are dependent on interest rates and customer needs.
- Mortgage Loans: Offer residential mortgage financing. Market share data is not publicly available at a granular level for this specific product. Competitors include Wells Fargo, Bank of America and other Mortgage lenders. The amount of loans are dependent on interest rates and customer needs.
- Deposit Accounts: Includes checking, savings, and money market accounts. Market share data is not publicly available at a granular level for this specific product. Competitors include Wells Fargo, Bank of America and other Mortgage lenders. The amount of deposits are dependent on interest rates and customer needs.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulation, and competition from fintech companies.
Positioning
Sierra Bancorp is a regional bank primarily serving central California. It differentiates itself through its community focus and personalized service.
Total Addressable Market (TAM)
The total addressable market for banking services in central California is estimated to be in the billions of dollars. Sierra Bancorp is positioned to capture a portion of this market through its strong local presence.
Upturn SWOT Analysis
Strengths
- Strong local presence in central California
- High level of customer service
- Experienced management team
- Sound asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger national banks
- Dependence on local economy
Opportunities
- Expansion into new markets within California
- Increased adoption of digital banking services
- Growth in wealth management business
Threats
- Rising interest rates
- Increased regulation
- Competition from fintech companies
- Economic downturn in California
Competitors and Market Share
Key Competitors
- WFC
- BAC
- JPM
- C
Competitive Landscape
Sierra Bancorp competes with larger national banks, other regional banks, and credit unions. Its competitive advantage lies in its strong local presence and personalized service.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady, driven by organic growth and strategic acquisitions.
Future Projections: Future growth is expected to be moderate, driven by expansion into new markets and increased adoption of digital banking services.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion into new branch locations.
Summary
Sierra Bancorp is a stable regional bank with a strong presence in central California. Its community focus and sound asset quality are key strengths. The bank faces challenges from larger competitors and the changing banking landscape, requiring continued investment in technology and strategic expansion.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC filings
- Company reports
- Industry analysis reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It is not financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Sierra Bancorp
Exchange NASDAQ | Headquaters Porterville, CA, United States | ||
IPO Launch date 1994-11-02 | President, CEO & Director Mr. Kevin J. McPhaill | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 494 | Website https://sierrabancorp.q4ir.com |
Full time employees 494 | Website https://sierrabancorp.q4ir.com | ||
Sierra Bancorp operates as the bank holding company for Bank of the Sierra that provides retail and commercial banking products and services to individuals and businesses in California. It accepts various deposit products, such as checking accounts, savings accounts, money market demand accounts, time deposits, retirement accounts, and sweep accounts. The company's loan products include agricultural, commercial, consumer, real estate, construction, and mortgage loans. It also offers automated teller machines; electronic point-of-sale payment alternatives; mobile check deposits; online lending solutions; online and automated telephone banking services; and remote deposit capture and payroll services for business customers. Sierra Bancorp was founded in 1977 and is headquartered in Porterville, California.
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